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we were extremely well qualified buyers with 25% down payment (and several times the mortgage amount, liquid), full docs, 30+ year stable history, passive income, tremendous equity in other real estate, etc. we've both had countless mortgages over the years, fico in...
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1.3
#1228099
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see above --- I am very leery of all companies like these . His info was invaluable. I am looking for a 300K refinance and had been looking at most of the the lenders who are on line. I have been eliminating them, one by one based on reviews. I realize that there would...
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#1197416
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Nightmare nightmare!!!! RED FLAGS everywhere!!! We worked with a guy named Jason L In the beginning, we are promised that Cardinal Finacial will honor the quote they gave us. LIES!!!! I had to send them screenshots, copies of all their quotes and promises. Once they...
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1.4
I liked
  • Rates
I didn't like
  • Could not close the transaction
  • Unfair fees for rate lock extensions
  • Run around
#1166615
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I had all line up with a credit score over 800. They have there " appraisal" partner purposely value my home well under value. I just had initial appraisal not even 2 months within contacting Sebonic. 1) $500 for appraisal- wasted I argued that the appraiser was wrong,...
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I didn't like
  • Being mislead
  • Fees for rate lock extensions
#1117592
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Ive never paid for appraisal up front but they said plenty of income credit score good so need to pay and get it going. Makes no sense until after you are approved for the loan contingent on apprasial. Never pay for appraisal up front . Wait until you have something in...
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#1107921
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These people are a pack of idiotic buffoons. After making me wait more then 90 days, they sent me an email stating that they were not able to document where the cash deposits on my bank statements came from. Clearly the income was shown on my tax returns that they...
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#996025
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After spending an entire weekend scanning documents and whatever bs they deemed nesessary to apply for my loan I waited, waited and waited to be contacted by them. After a week or so I contacted them and they informed me that everything was great, great credit great...
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Anonymous
Anonymous

You to they are a real joke all i can say people don't wast your time there shopping there.

1.9
#982503
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I was provided a loan estimate in November, 2016 and a 30-day rate lock. All required documents were uploaded per Sebonic/Cardinal's requirements in two days after the rate was locked. Cardinal charged me $475 for an appraisal immediately. After more than three weeks,...
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1.0
I didn't like
  • Lack of communication
  • Unfair fees for rate lock extensions
  • Trapping
#971089
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I contacted Sebonic financial for a re-fi to a 15 year mortgage on 10/23 turned in all paper work and showed all income. She said it was approved so i went and paid 450 for an appraisal. It was getting close to the 30 days rate lock and no one had contacted me. I had...
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1.7
I liked
  • Website to upload doc
I didn't like
  • Being misled and wasting my money
#964367
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Contact Sebonic Financial

Mailing Address:
Sebonic Financial
3701 Arco Corporate Drive, Suite 200
Charlotte, North Carolina 28273
United States
Phone:
(855) 561-4944
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Sebonic Financial Products and Services

I contacted Sebonic/Cardinal Mortgage on 10/14/16. Loan processor sent in refinance application. I provided my income and debt and was approved for a 15 year refi. I provided countless of documents underwriting required. I paid for an appraisal that they required. I...
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I didn't like
  • Unorganized
  • Unprofessional
  • Unapologetic
#964094
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